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Solo 401(k) SPECIAL OFFER

Retirement account for self-employed individuals

Special offer: Get your solo 401(k) platform fee waived for the first year when you open and fund by December 31.

Accounts

High-yield cash

Grow your savings with 3.25% APY* (variable)
Investing

Invest with expert-built stock and bond portfolios
IRA

Invest for retirement with a traditional, Roth, or SEP IRA
Bond investing

Invest in a 100% bond portfolio with up to 5.31%** (variable)
Crypto ETF investing

A managed portfolio of Bitcoin and Ethereum ETFs
Checking

Hassle-free, no-fee checking

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Cash Reserve offered by Betterment LLC and requires a Betterment Securities brokerage account. Betterment is not a bank. Learn More.

Annual percentage yield (variable) is 3.25% as of December 12, 2025. $10 min deposit.

Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. Betterment Checking made available through Betterment Financial LLC. Neither Betterment Financial LLC, nor any of their affiliates, is a bank. Betterment Financial LLC reimburses ATM fees and the Visa® 1% foreign transaction fee worldwide, everywhere Visa is accepted. Checking accounts do not earn APY (annual percentage yield). Betterment Cash Reserve and Betterment Checking are separate offerings and are not linked accounts.

Any balances you hold with nbkc bank, including but not limited to those balances held in Betterment Checking accounts are added together and are insured up to $250,000 per depositor through nbkc bank, Member FDIC. Betterment is not FDIC-insured. FDIC insurance only covers the failure of an insured bank. If you have funds jointly owned, these funds would be separately insured for up to $250,000 for each joint account owner. nbkc bank utilizes a deposit network service, which means that at any given time, all, none, or a portion of the funds in your Betterment Checking accounts may be placed into and held beneficially in your name at other depository institutions which are insured by the Federal Deposit Insurance Corporation (FDIC). For a complete list of other depository institutions where funds may be placed, please visit https://www.cambr.com/bank- list. Balances moved to network banks are eligible for FDIC insurance once the funds arrive at a network bank. To learn more about pass-through deposit insurance applicable to your account, please see the Account Documentation. Additional information on FDIC insurance can be found at https://www.fdic.gov/resources/deposit-insurance/.

Crypto ETFs involve risks such as price volatility, limited history, technology flaws, and loss of principal.

Investing in bonds involves risk; performance is not guaranteed. Only Betterment provides investment advice to its clients, not BlackRock; neither provides legal, tax or accounting advice. Learn more.

Yield data as of for the Aggressive Target Income Portfolio, and ranges 4.09% to 5.31% across four risk levels.

Blended 30-day SEC yield is calculated as the weighted average of 30-Day SEC yields for each ETF in the portfolio, net of Betterment’s 0.25% annual advisory fee. View historical performance by target income risk level and learn more about blended 30-day SEC yields here. Yield is not performance.

IMPORTANT BETTERMENT DISCLOSURES

Information is educational only and not investment or tax advice. External links are educational, and do not imply Betterment’s endorsement. All screenshots are for illustrative purposes only.

Who Provides What Service?

Investment Advice: Advisory services are provided by Betterment LLC, an SEC-registered investment adviser. Betterment LLC's internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide comprehensive tax advice or financial planning with respect to every aspect of a client's financial situation and do not incorporate specific investments that clients hold elsewhere. Betterment is not a tax advisor.

Brokerage Services & Custody: Brokerage services are provided to clients of Betterment LLC by Betterment Securities, an SEC-registered broker-dealer and member of FINRA/SIPC, and Apex Clearing Corporation, a third-party SEC registered broker-dealer and member FINRA/SIPC.

Betterment Checking: Betterment Checking is made available through Betterment Financial LLC. Checking accounts and the Betterment Visa Debit Card provided by and issued by nbkc bank, Member FDIC. See Betterment Checking Disclosure.

Betterment at Work: 401(k) plan administration services provided by Betterment for Business LLC. Investment advice to plans and plan participants provided by Betterment LLC, an SEC registered investment adviser.

No Betterment entity is a bank.

Special Disclosure for Betterment Cash Reserve

Betterment Cash Reserve is offered by Betterment LLC and requires a Betterment Securities brokerage account. Client funds in Cash Reserve are deposited into one or more FDIC-insured banks (“Program Banks”), where they earn variable interest and are eligible for FDIC insurance (subject to certain conditions). Funds in brokerage accounts are protected by SIPC, but funds at Program Banks are FDIC-insured up to $250K per depositor per bank, with a potential aggregate limit of $2M ($4M for joint accounts) once the funds reach one or more Program Banks. Funds in transit to or from Program Banks are generally not FDIC-insured but are covered by SIPC. FDIC insurance limits include all accounts held at a bank, not just Cash Reserve funds. For details, see Betterment’s Cash Reserve T&Cs and Form ADV Part 2. FDIC insurance information is available at FDIC.gov.

Let’s Talk About Risk:

Investing involves risk and there is the potential of losing money when you invest in securities. Past performance does not guarantee future results and the likelihood of investment outcomes are hypothetical in nature.Investments in securities are: Not FDIC Insured • Not Bank Guaranteed • May Lose Value. Before investing, consider your investment objectives and Betterment LLC's fees and expenses. For more details, see Betterment’s Form CRS, Form ADV Part II and other disclosures. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Betterment LLC is not registered.

Who Provides the Market Data? Market Data by Xignite and FactSet. Copyright © 2025 FactSet Research Systems Inc. Fund data © 2022 Morningstar. All Rights Reserved.

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